LTV · monthly repayment
▼ 0.50% · 3.625%
HK$56,365
−HK$3,534/mo
▼ 0.25% · 3.875%
HK$58,118
−HK$1,781/mo
Today · 4.125%
HK$59,899
baseline
▲ 0.50% · 4.625%
HK$63,544
+HK$3,645/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$119,798/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,705
−HK$3,388/mo
▼ 0.25% · 3.875%
HK$64,387
−HK$1,706/mo
Today · 4.125%
HK$66,093
baseline
▲ 0.50% · 4.625%
HK$69,577
+HK$3,484/mo
Deposit HK$12.36M · loan HK$12.36M · min. income ≈ HK$132,186/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,050,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,638
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$69,742
−HK$2,137/mo
Today · 4.125%
HK$71,879
baseline
▲ 0.50% · 4.625%
HK$76,253
+HK$4,374/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$143,758/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,246
−HK$4,066/mo
▼ 0.25% · 3.875%
HK$77,264
−HK$2,048/mo
Today · 4.125%
HK$79,312
baseline
▲ 0.50% · 4.625%
HK$83,492
+HK$4,180/mo
Deposit HK$9.89M · loan HK$14.83M · min. income ≈ HK$158,624/mo (50% DSR)
Upfront cash ≈ HK$10.94M (deposit + AVD stamp duty HK$1,050,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,911
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$81,365
−HK$2,494/mo
Today · 4.125%
HK$83,859
baseline
▲ 0.50% · 4.625%
HK$88,962
+HK$5,103/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$167,718/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,787
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$90,142
−HK$2,388/mo
Today · 4.125%
HK$92,530
baseline
▲ 0.50% · 4.625%
HK$97,408
+HK$4,878/mo
Deposit HK$7.42M · loan HK$17.30M · min. income ≈ HK$185,060/mo (50% DSR)
Upfront cash ≈ HK$8.47M (deposit + AVD stamp duty HK$1,050,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,457
−HK$6,362/mo
▼ 0.25% · 3.875%
HK$104,613
−HK$3,206/mo
Today · 4.125%
HK$107,819
baseline
▲ 0.50% · 4.625%
HK$114,380
+HK$6,561/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$215,638/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,870
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$115,897
−HK$3,071/mo
Today · 4.125%
HK$118,968
baseline
▲ 0.50% · 4.625%
HK$125,239
+HK$6,271/mo
Deposit HK$2.47M · loan HK$22.25M · min. income ≈ HK$237,936/mo (50% DSR)
Upfront cash ≈ HK$3.52M (deposit + AVD stamp duty HK$1,050,543 · Scale 2, in force from 26 Feb 2026)